Twin terms that can trip up investors At one point, investors encounter two similar-sounding but totally different financial terms, and may make a wrong move if they don't understand the difference, according to this article on Morningstar. For example, a 401(k) plan may have a Roth 401(k) and an after-tax feature that receive different tax treatment on the earnings. While taxes have been paid on the contributions to both accounts, earnings in a Roth 401(k) are exempt from taxes, while savings in an after-tax 401(k) grow tax-deferred.

Help your clients beat classic ‘bad habits’ Understanding the excuses for not saving will enable investors to avoid the habit and start building their nest egg, according to this article on MarketWatch. For example, some people say they don't have money to save, but they can reduce their spending to free some money to set aside for the future. Others defer retirement saving because they are still young, but starting early gives their savings to grow through compounding for a longer time, which would mean ending up with a bigger nest egg by the time they retire.